Insurence

[Ratfink]

Howdy again. Kinda curious what you guys think about insurence on a 95 turbo MRII.
Compared to other vehicles do you think it normally runs high, low or what?

[MR2Jedi]

depends on your age and driving record. I pay about $80.00/mo for my '91 T with 1 speeding ticket

[Ratfink]

That is kinda why I worded it like I did.

I know my driving record is not great, I have two speeding tickete and I am only 20 years old.
What I wanted to know was compared to your other vehicles how high is the MR2?

[tater_tot]

full coverage or liability?

[MR2Jedi]

let's see-20yrs old, 2 speeding tickets, MR2 Turbo= Cha Ching! $$$$..My guess? $250.00-$300.00/mo....but that just a guess. My step son @19 had 3 speeding tickets, a '90 Cutless Supreme(V6)=$480.00/mo....!!!

[Trace]

Well, aside from your age and amount of tickets, there is also a number that has nothing to do with the driver, called the IRG (0-75) which every car is assigned; it's based on certain characteristics like vehicle safety/crash test ratings, likelihood of it being stolen, horsepower (of course anything turbo will be higher), and several other specifics. Regular cars, and by regular I mean something under 80k i guess, are usually around the 15-35 range. Mine is an 18 I believe. The highest I've seen was a 54

Anyway- if you want an idea let me know... tomorrow at work I can look at someone's policy in your same age/rating group and run a quick quote for a 95 MR2 turbo, that way you'll have a basic idea.....

[Ratfink]

Whoa man, that would be sweet.
I guess that is what I meant. Not the fact that mine will be higher. I knew that. But what does the car rate as?
But I would be looking for just liability. I am saving and plan on paying it off in cash.
Got theee grand right now and plan on getting in in about 3-5 months. That is if I find one that suits me.
Thanks again for the offer, that would be really nice to know.

[Trace]

well, if you lived in south fl you would be paying about $1455 every 6 months (approx. 250 a month), which is just an estimate, obviously... it doesn't account for things on your driving record you may not have mentioned because i have no way to access it.. but anyway..

this is what i quoted:

male, 20 yrs old, with a ticket surcharge
1995 Toyota MR2 Turbo T-Bar 2DR CPE....IRG = 21
with only Liability, Prop. Damage, and PIP (personal injury) which is mandatory here...

once again, i dont know how things work in AZ, but it can't be too different.

hope this helps!

-T

[MRQtwinturbo]

^^thats odd u don't have access to driving abstracts....i have a friend that sells car insurance and all he needs is your driver's license number and wham....he can access the ministry of transportation records....

[Trace]

Well yeah, if i had his name and DL I could get a lot more info.We can't really get in-depth driving records of people in other states with the system we have here, so it wouldn't be completely accurate. But I do have my own ways to access those sort of things. It may be different in Canada, though. Not sure...

[MR-355-5sfTe]

I'm paying $285 every six months... only liability though ... cause she's dyin'

[mr3sgte]

i pay 50 bucks per month in 6 months and im 22 but i only have liability

[Ratfink]

Hey trace, can you say what company you work for?
Also, when I get the car I will be in DeLand Florida, so I think the quoate is pretty acurate.
I only have two things that should be on my record, and that is on speeding at 7 over, (Bad Cop with attitude @ 4am) and one criminal speeding ticket. (One Bad day) 93 in a 65 if that helps. Stupid Dakota of mine felt really smooth at that speed and music was loud. Bad case of I knew I was speeding but did not know I was going quite that fast.
I had one ticket where I slid off of a road when my brakes locked up and they came out the next night measured it and said I was speeding. But I took school for that and it should be clean.

Thanks for the quote. Seems a little high for liability, but I knew it would be bad. I was financing a truck and paid only a little more than that.

At least on my CB750F all I pay is $112 per year. And it goes 0-60 in like 5 flat.

[Trace]

^ State Farm

[Piddy]

I am paying likie $1,600 a year for the MR2 and the Supra. My insurance actually dropped from $250 a month to 170 a month when I added the MR2 back on. Two car discount